Consumer Protection

PROTECTING CONSUMER SAFETY—Toys should not be toxic or dangerous for children to play with. Our food should not make us sick. The terms for banking and credit accounts should be clear and easy to understand.

LOOKING OUT FOR CONSUMERS

TexPIRG’s consumer program works to alert the public to hidden dangers and scams and to ban anti-consumer practices and unsafe products.

TROUBLE IN TOYLAND

For 30 years, TexPIRG’s "Trouble In Toyland" report has surveyed store shelves and identified choking hazards, noise hazards and other dangers. Our report has led to at least 150 recalls and other regulatory actions over the years.

Get our tips for avoiding dangerous toys.

BIGGER BANKS, BIGGER FEES

In April, TexPIRG released a report in which we surveyed more than 350 bank branches and revealed that fewer than half of branches obeyed their legal duty to fully disclose fees to prospective customers, while one in four provided no fee information at all. We also found that despite widespread stories about the “death” of free checking, free and low-cost checking choices are still widely available, if consumers shop around.

Find out how to beat high bank fees.

SEE ALL CONSUMER RESOURCES

Issue updates

Marriott discloses second security breach in 16 months

Marriott, the world’s largest hotel chain in terms of guest rooms, disclosed Tuesday that up to 5.2 million customers were impacted by a security breach related to the company’s loyalty app.

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News Release | TexPIRG Education Fund | Consumer Protection

Attorneys general demand online marketplaces end coronavirus price gouging

Texas Attorney General Ken Paxton did not join in the call to the country’s top online marketplaces to crack down on price gouging amidst the novel coronavirus (COVID-19) outbreak. A bipartisan group of 33 attorneys general, led by Pennsylvania Attorney General Josh Shapiro along with co-leading Attorneys General Hector Balderas (NM), William Tong (CT), and T.J. Donovan (VT), sent a letter today urging the companies -- Amazon, Craigslist, eBay, Facebook and Walmart -- to quickly implement preventative measures on their platforms to ensure that consumers don’t get taken advantage of during this public health crisis.

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Blog Post | Consumer Protection

Updated Student Resources during COVID-19 Pandemic | Lauren Banister

As the second week of spring break begins, I wanted to update the student resources I sent last week and give you some ways to help others during this unprecedented moment. 

As you know, on March 30th, all classes will resume online and students who live on campus are asked to move out throughout this week. 

Here are a few resources to turn to if you need them:

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Blog Post | Consumer Protection

TexPIRG Calls on Secretary of State for remote vote leadership | Bay Scoggin

Today, TexPIRG joined in the calls for leadership from Texas' Secretary of State. With the pandemic spreading and social distancing remaining one of our most powerful tools to curtail the spread of the virus, advocacy groups want the Secretary to step up and provide guidance to counties across the state on how to conduct remote voting, or vote-by-mail. 

We are proud to stand with such a distinguished group of organizations and individuals pushing for the public interest, in this case, our right to fully participate in our democracy without endangering ourselves and others. No one should have to choose between their right to vote and their health or the health of others.

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News Release | U.S. PIRG Education Fund | Consumer Protection

Deadly infant products sold after recalls at T.J. Maxx, Marshalls, HomeGoods

The U.S. Consumer Product Safety Commission (CPSC) announced today that discount stores T.J. Maxx, Marshalls and HomeGoods sold 19 different recalled products to consumers between 2014 and 2019. In the case of five products, the stores’ parent company TJX initiated the recall. The products included the Rock ‘N Play and Kids II inclined infant sleepers, which are responsible for a number of fatalities, rattles that can break and pose a choking hazard, and electronics that overheat or explode. 

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News Release | TexPIRG Education Fund | Consumer Protection

New government data & TexPIRG investigation reveal unsafe toys impact on kids

More than 226,000 kids went to the emergency room in 2018, according to newly released data from the U.S. Consumer Product Safety Commission--the majority from choking hazards.  TexPIRG Education Fund released its 34th-annual Trouble in Toyland report on the same day to help identify dangerous products still for sale in 2019 and provides tips for parents and gift-givers. 

 

“Toys have become safer over the last three decades, but dangerous and toxic toys remain on store shelves. With that in mind, parents need to be vigilant to keep their kids healthy and safe,” said  Lauren Banister, TexPIRG Education Fund Associate. “Manufacturers and regulators must do more to ensure all toys are hazard-free before they end up in a child’s hands.”

While stronger safety standards have significantly reduced the number of dangerous toys for sale, problems persist. TexPIRG Education Fund has identified three categories of toys that parents should be on the lookout for: detectable dangers, hidden toxics and hazards, and recalled toys.

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News Release | U.S. PIRG Education Fund | Consumer Protection

Heartburn medication recalls continue due to carcinogen concerns

The U.S. Food and Drug Administration (FDA) has confirmed today that the drug manufacturers Dr. Reddy’s and Perrigo have initiated a voluntary recall of all of their generic versions of Zantac (ranitidine) -- commonly used to treat heartburn -- due to carcinogen contamination.

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News Release | U.S. PIRG Education Fund | Consumer Protection

Proposed rule would remove unsafe, inclined infant sleepers from market

Despite more than 50 infant deaths from inclined sleepers, including the Fisher-Price Rock ‘n Play and the Kids II Rocking Sleeper, many versions of this type of product remain for sale and in homes. The U.S. Consumer Product Safety Commission (CPSC) is proposing a new rule that would virtually end the sale of inclined sleepers. 

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Video Blog | Consumer Protection

Last Week Tonight with John Oliver: The retirement industry is a minefield -- but here’s the answer

In this week’s episode of “Last Week Tonight,” host John Oliver called out three main problems hurting consumers when it comes to retirement: First, financial advisers aren’t currently required to work in their clients’ best interest. Second, high fees compound over time. Third, actively managed investment funds aren’t the answer. 

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Blog Post | Consumer Protection

As CFPB Escalates Drive Toward Protections, Study Finds CFPB Enforcement Works | Ed Mierzwinski

This month the CFPB issued its proposed rule prohibiting class action bans in small-print mandatory arbitration clauses; in June it is expected to release its high-cost small dollar lending (payday and auto title loan) proposed rule. Meanwhile, as CFPB's industry opponents hide behind astroturf front groups and Congressional opponents use backdoor attacks, a law professor has released a major report finding that "from its inception [in 2011] through 2015 the agency had a 122-and-0 track record in its publicly announced enforcement actions" and that 93% (over $10.5 billion) of funds recovered for consumers have been for deceptive practices -- "[f]ar from a novel legal theory."

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Blog Post | Consumer Protection

You might not know this about overdraft fees | Kathryn Lee

Did your bank sell you on the idea that it’s embarrassing for you to have your debit card declined for a $3 cup of coffee, and that you should pay them $35 each time for “overdraft protection”? Those big fees are what’s embarrassing. Unless you say yes to allow fees, you cannot be charged for over-drafting your debit card.

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Blog Post | Consumer Protection

Our new "CFPB Can Help" video is live | Ed Mierzwinski

Please like and share our new video short (it's less than a minute) letting consumers know how the "CFPB can help." The CFPB, of course, is the Consumer Financial Protection Bureau, established as part of the Wall Street Reform and Consumer Protection Act of 2010.

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Video Blog | Consumer Protection

John Oliver Takes Aim At Credit Reports In 'Last Week Tonight'

Last Week Tonight with John Oliver explained how credit reports play a surprisingly large role in our lives, but even more surprising is how often they contain critical mistakes. John Oliver helps credit bureaus see why this is a problem – and that Judy still hasn’t been able to resolve her mixed up identity.

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News Release | TexPIRG Education Fund

A looming deadline should finally force all U.S. phone companies to take stopping robocalls seriously. However, only one-third of the largest mobile and home phone providers nationwide -- and a more disappointing percentage of smaller telecommunications companies -- have installed caller ID verification aimed at squashing illegal robocalls, even though most of those businesses were required to do so by June. The stakes get higher Sept. 28, when phone providers are required to block calls from companies that haven’t at least reported their status to the FCC.

Report | TexPIRG Education Fund

A looming deadline should finally force all U.S. phone companies to take stopping robocalls seriously. However, only one-third of the largest mobile and home phone providers nationwide -- and a more disappointing percentage of smaller telecommunications companies -- have installed caller ID verification aimed at squashing illegal robocalls, even though most of those businesses were required to do so by June. The stakes get higher Sept. 28, when phone providers are required to block calls from companies that haven’t at least reported their status to the FCC.

News Release | US PIRG

During this time of year, families are thinking about the children going back to school, and for parents who are sending their kids to college, it can be a bit overwhelming. A key to addressing those concerns is making sure their teens are prepared for “adulting” -- in other words, taking care of their own lives.

News Release | U.S. PIRG

The Veterans and Consumers Fair Credit Act (VCFCA) was reintroduced in the Senate Committee on Banking, Housing, and Urban Affairs on Wednesday. This bill would limit interest rates on loans and go a long way toward protecting consumers, especially veterans, who are often victimized by predatory lenders.

Blog Post

The Consumer Financial Protection Bureau celebrated its 10th birthday last Wednesday. It begins its second decade refocused on its mission of protecting you and me after a few years of, ironically, championing shady business practices over consumers. The agency’s first decade was full of success, setbacks, and promise.

Consumer Protection

The FCC is starting to fight back against robocalls

Research found that, despite the FCC's recent action, phone companies aren't doing enough to block spoofed calls and scam calls, despite a new law.

 

Consumer Protection

'Trouble in Toyland' report helps parents avoid potential toy hazards

TexPIRG Education Fund has released its annual "Trouble in Toyland" report to help identify potentially dangerous toys as many Americans begin gift shopping for the holiday season. This year poses an extra challenge to the many parents working from home during the pandemic while trying to keep kids of multiple ages busy with safe activities.

 

Consumer Protection

Auto Loan Complaints Rise

A review of complaints to the Consumer Financial Protection Bureau’s (CFPB) Consumer Complaint Database reveals a sharp spike in consumer complaints about auto purchasing, leasing and finance since the beginning of the pandemic.

 

Consumer Protection

As the pandemic goes on, consumer complaints continue at a record pace

A U.S. PIRG Education Fund analysis has found that since March 2020, public consumer complaints at the federal Consumer Financial Protection Bureau have skyrocketed, setting a new monthly record each month. During this period, one in five complaints concerning mortgages, student loans or vehicle financing has mentioned the coronavirus crisis.

 
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